PPR Super Yield Series 7
1.963% Gross Annual Interest Rate*
*Guaranteed gross rate during the first year, for subscriptions until 31 July 2026.
Why choose PPR Super Yield Series 7
Guaranteed Capital
The invested amount is always protected, even in long-term situations.
Annual Yield
Guaranteed annual return indexed to the 12-month Euribor, with a guaranteed minimum (0.25%) and maximum (5.00%).
Flexible contributions
With the option of a single payment, occasional top-ups, or monthly or annual contributions.
Guaranteed Capital
The invested amount is always protected, even in long-term situations.
Annual Yield
Guaranteed annual return indexed to the 12-month Euribor, with a guaranteed minimum (0.25%) and maximum (5.00%).
Flexible contributions
With the option of a single payment, occasional top-ups, or monthly or annual contributions.
START THINKING ABOUT TOMORROW
PPR Super Yield is a medium and long-term savings solution with guaranteed capital and returns.
With PPR Super Yield, you can protect your savings and prepare for the future with confidence, benefiting from a guaranteed annual return. You can also define your contribution plan with values adjusted to your financial possibilities.
Thus, when the right time comes, you will have a financial supplement that allows you to keep doing what you love most.
Who is it for?
This plan is ideal for those who want to prepare for retirement with security, building up complementary savings with guaranteed capital and predictable yields.
In a scenario where future pensions may represent around 38% of income, planning ahead makes all the difference.
Benefits of REAL VIDA SUPER YIELD SERIES 7
The principal investment and accumulated interest are always fully repaid at maturity.
Guaranteed Capital
Secure investment with zero risk of capital loss or forfeiture of accumulated interest. Ideal for clients prioritising security and financial stability.
Tax-Efficient Framework
Highly attractive tax relief incentives for both individual retail clients and corporate business clients in accordance with current statutory legislation.
Annual Return
Annual return indexed to the 12-month Euribor, with a guaranteed minimum yield of 0.25% and a maximum limit of 5.00%.
Flexible payments
Flexible payments: top up your PPR with single payments from €25/month and supplementary payments from €500.
Family Protection
In the event of death, the remaining capital of the policy is paid to the designated beneficiaries or, in their absence, to the legal heirs.
Retirement Top-Up
Perfect for building long-term savings.
Transparent terms
Zero surrender charges or early redemption exit fees outside of legally defined statutory situations after the 4th policy anniversary year.
Easy Access
Simple subscription and convenient management through a dedicated client area.
Payment Plan
You can make contributions with the following frequencies and minimum/maximum limits:
Single Lump-Sum Payments: allow investments with a minimum amount of €1,000 and a maximum amount of €500,000.
Supplementary Contributions: accept amounts from €500, up to a maximum of €100,000.
Scheduled Contributions: are divided into two distinct options.
Monthly: with minimum amounts of €25 and maximums of €10,000.
Annual: with a minimum amount of €250 and a maximum amount of €120,000.
Reimbursements
Statutory Early Penalty-Free Withdrawals
- Long-term unemployment affecting the Insured Person or members of their household
- Permanent disability to work affecting the Insured Person or members of their household;
- Critical illness affecting the Insured Person or members of their household;
Surrender Charges
Surrenders of the PPR outside the legally provided conditions are subject to the following charges:
- Year 1: 0.50%
- Years 2, 3 and 4: 0.25%
- Subsequent years: 0.00%.
Partial Repayment Limits
The minimum value of each partial repayment and the remaining value in the contract is €250.
Statutory Early Penalty-Free Withdrawals
- Long-term unemployment affecting the Insured Person or members of their household
- Permanent disability to work affecting the Insured Person or members of their household;
- Critical illness affecting the Insured Person or members of their household;
Surrender Charges
Surrenders of the PPR outside the legally provided conditions are subject to the following charges:
- Year 1: 0.50%
- Years 2, 3 and 4: 0.25%
- Subsequent years: 0.00%.
Partial Repayment Limits
The minimum value of each partial repayment and the remaining value in the contract is €250.
TAX REGIME
Tax Incentives
For Individual Clients with tax residence in Portugal, a deduction from the IRS tax due of 20% of the capital invested, up to a maximum of €400.
- Up to 35 years old: 20% deduction, up to €400 (payment of €2,000)
- 35–50 years old: 20% deduction, up to €350 (payment of €1,750)
- Over 50 years old: 20% deduction, up to €300 (payment of €1,500)
Exception: Amounts invested by taxpayers after the date of retirement are not deductible from the IRS tax due.
Tax Regime for Repayment outside the established conditions
PPR income received in the form of capital is taxed under personal income tax (IRS) at an effective rate of 8% (for residents of the Autonomous Region of the Azores, these rates are reduced by 20%), provided the applicable legal requirements are met.
Outside these situations, the following effective tax rate will apply:
- Up to 5 years: 21.5% IRS;
- Between 5 and 8 years: 17.2% IRS;
- More than 8 years: 8.6% IRS.
These benefits apply to individuals with tax residence in mainland Portugal or the Autonomous Regions, under the terms and within the limits established in the Tax Benefits Statute (EBF) and the Personal Income Tax Code (CIRS)
Tax Regime for Companies
Under Article 23 of the Corporate Income Tax Code (IRC), the amounts borne by the company are treated as tax-deductible costs without limit, provided they are treated as employment income for employees (Article 2 of the CIRS) and constitute acquired and individualised rights.
With regard to the Single Social Tax (TSU), the amounts paid are not subject to Social Security contributions.
Tax Incentives
For Individual Clients with tax residence in Portugal, a deduction from the IRS tax due of 20% of the capital invested, up to a maximum of €400.
- Up to 35 years old: 20% deduction, up to €400 (payment of €2,000)
- 35–50 years old: 20% deduction, up to €350 (payment of €1,750)
- Over 50 years old: 20% deduction, up to €300 (payment of €1,500)
Exception: Amounts invested by taxpayers after the date of retirement are not deductible from the IRS tax due.
Tax Regime for Repayment outside the established conditions
PPR income received in the form of capital is taxed under personal income tax (IRS) at an effective rate of 8% (for residents of the Autonomous Region of the Azores, these rates are reduced by 20%), provided the applicable legal requirements are met.
Outside these situations, the following effective tax rate will apply:
- Up to 5 years: 21.5% IRS;
- Between 5 and 8 years: 17.2% IRS;
- More than 8 years: 8.6% IRS.
These benefits apply to individuals with tax residence in mainland Portugal or the Autonomous Regions, under the terms and within the limits established in the Tax Benefits Statute (EBF) and the Personal Income Tax Code (CIRS)
Tax Regime for Companies
Under Article 23 of the Corporate Income Tax Code (IRC), the amounts borne by the company are treated as tax-deductible costs without limit, provided they are treated as employment income for employees (Article 2 of the CIRS) and constitute acquired and individualised rights.
With regard to the Single Social Tax (TSU), the amounts paid are not subject to Social Security contributions.
Want to know your retirement date?
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Frequently Asked Questions
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This does not exempt you from reading the legally required pre-contractual and contractual information.